Citigroup's high-profile advanced development group, e-Citi, is laying off 70 people. Page 4

Merger mania has led to title chaos as some banks try to combine groups of executives who hold identical titles but different responsibilities. Page 5


The Ohio Bankers Association organized a "militia" network of 400 bankers it can summon when it wants to lobby lawmakers. Page 6


INSURANCE: Though insurers' sales of annuities offered electronically have proven disappointing, Lincoln National is taking a new tack with a product it says is the first purely on-line annuity. Page 8

The new equity mutual fund classification system unveiled last week by Lipper appears to be gaining approval from banks' mutual fund arms. Page 9


The OCC has logged three times as many customer complaints about national banks this year thanks to a state-of-the-art telephone call center. "We have gotten this extreme number of calls, and we have yet to market our service," says OCC Ombudsman Samuel P. Golden of the 7,500 calls a month. Page 2


Announcing its second Internet-related deal in three months, Fleet said it plans to introduce a cobranded credit card with Go2Net. Page 11


Roslyn (N.Y.) Bancorp shareholders are showing support for its proposed purchase of T R Financial, Roslyn chairman Joseph Mancino says. Page 14


ELECTRONIC COMMERCE: PNC Bank Corp. can't get enough of Lotus Notes. Page 16


An Eddie Bauer veteran is using her retail experience to make alterations at Sanwa Bank California's direct bank. Page 17


GE Capital Services is planning to structure, price, and lead syndicated loans next year, a company source said. Page 29


Bank stocks slipped another notch as edgy investors worried about impeachment and fresh evidence of economic weakness in Japan. Back page

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